HVAC Financing in Tulsa — Pay Over Time with Wisetack
A new AC or furnace is a real expense. Airo partners with Wisetack so Tulsa-metro homeowners can spread the cost into monthly payments and get the system fixed or replaced without waiting to save up the full amount.
What Wisetack Is
Wisetack is a consumer financing company that partners with home service businesses like Airo to offer monthly payment plans at the point of sale. Instead of paying the full project cost upfront, you apply on your phone, get a decision in about a minute, and pick a monthly plan that fits your budget.
Loan amounts through Wisetack range from $500 to $25,000, with terms from 3 to 120 months. Offers range from 0% to 35.9% APR based on the amount requested and your creditworthiness.
Wisetack isn't a store credit card and it isn't a lease-to-own arrangement. It's a straightforward installment loan tied to the specific job we're doing at your house. You know the payment, the term, and the total cost before you agree to anything, and the loan is separate from any invoice or estimate paperwork we hand you for the HVAC work itself.
How It Works
Get your estimate
We diagnose the problem or scope the installation and give you a written quote before any financing conversation starts.
Apply from your phone
The Wisetack application takes about a minute. You'll need basic personal information; no paperwork, no branch visit.
Soft credit check, no impact
Seeing what you qualify for uses a soft credit check that doesn't affect your credit score. You'll see real terms before deciding anything.
Choose your plan, we get to work
Pick the monthly plan that fits your budget and we schedule the job. Payments go directly through Wisetack, separate from your invoice with Airo.
What You Can Finance
The Fine Print, in Plain Terms
No prepayment penalty — pay it off early and stop paying interest for the remaining term.
No hidden fees stacked onto the loan after approval.
Checking your options costs nothing and does not affect your credit score.
If you're already planning a system replacement, financing and PSO rebates work well together: the rebate reduces what you owe, and financing spreads the remaining balance into payments that fit your month. We handle the rebate paperwork separately from the loan application, so one doesn't hold up the other.
Financing Questions
Does checking my financing options hurt my credit?
No. Checking what you qualify for through Wisetack uses a soft credit check, which does not affect your credit score. A hard credit check only happens if you accept a financing offer and move forward.
How long does approval take?
Most Wisetack applications return a decision in under a minute. You apply from your phone or computer, see your options, and pick a plan the same day.
Can I use financing for an emergency repair?
Yes. Wisetack financing covers emergency repairs over $500, not just full system installations. If your AC or furnace fails and the repair is unexpected, you can apply for financing before we start the work.
What if I have less-than-perfect credit?
Wisetack considers more than a single credit score, and offers range from 0% to 35.9% APR based on amount requested and creditworthiness. Checking your options does not affect your credit, so there's no downside to applying and seeing what's available.
Can I pay it off early?
Yes. There's no prepayment penalty on Wisetack financing. If you pay off your balance early, you simply stop accruing interest for the remaining term.
Offers range from 0 to 35.9% APR based on amount requested and creditworthiness.
Terms range from 3 - 120 months and may vary based on merchant, lending partner, or transaction size.
For example, a $5,500 purchase could cost $253.54 per month for 24 months, based on a 9.9% APR, or $1,833.33 per month for 3 months, based on a 0% APR.
All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners.
Not all merchants and lending partners participate in 0% interest programs. State interest rate caps may apply. No prepaid finance charges or participation fees. See additional terms at wisetack.com/faqs.
Ready to see your options?
Checking costs nothing and doesn't affect your credit.